Chime Financial, Inc. (CHYM) — Stock Score Summary

Chime Financial, Inc. (CHYM) has a MoatMap StockRank of 65/100 based on Quality (57/100), Value (54/100), and Momentum (37/100) factor scores. The current signal is HOLD. Chime is a consumer-facing fintech player operating in a highly competitive digital banking landscape. It lacks a structural moat and has no exposure to our core 18-month macro themes.

Chime Financial, Inc. is a leading US-based neobank offering a range of mobile-first banking services, including checking accounts, savings accounts, and early access to paychecks, primarily targeting underserved consumers. Its competitive advantage stems from its fee-free model, user-friendly mobile app, and innovative features designed to promote financial health for everyday Americans. Chime is a significant disruptor in the traditional banking sector, rapidly gaining market share among younger and digitally native demographics.

Key Financial Metrics

Price$17.65
Market Cap$6.9B
P/E (Forward)15.79
Price/Book4.82
Return on Equity-80.0%
Return on Invested Capital-66.0%
Debt/Equity9.21
Gross Margin88.4%
Operating Margin20.9%
Revenue Growth24.8%
Free Cash Flow$654M

Chime Financial, Inc. operates in the Software - Application industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Chime Financial, Inc.’s (CHYM) StockRank?
MoatMap’s StockRank for Chime Financial, Inc. (CHYM) is 65/100, with a Hold signal. It is a composite of Quality (57), Value (54), and Momentum (37) factor ranks across MoatMap’s 19,000+ stock universe.
Does Chime Financial, Inc. have an economic moat?
Chime Financial, Inc. (CHYM) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Chime Financial, Inc. a buy, hold, or sell?
MoatMap’s current signal for Chime Financial, Inc. (CHYM) is Hold, based on a StockRank of 65/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Chime Financial, Inc. in?
Chime Financial, Inc. (CHYM) operates in the Technology sector, specifically the Software - Application industry (United States).
Browse all ranked stocksCHYM deep dive reportAI ChampionsHow we score stocksSense-check another stock